# Experienced Merchant Cash Advance (MCA) Underwriter

> High Rise Capital · New York, United States · Full-time · Posted 2026-10-29

**Salary:** USD 50,000–90,000

**Workplace:** on_site

## Description

Highrise Capital is seeking an **experienced Merchant Cash Advance (MCA) Underwriter** to join our growing business funding team. The ideal candidate must have **prior hands-on experience underwriting merchant cash advances or alternative business financing** and possess a strong understanding of risk assessment, cash flow analysis, and deal structuring.

This is **not an entry-level position**. Candidates must have previous MCA underwriting experience and the ability to independently evaluate business funding applications, analyze bank statements, assess risk, and make informed funding decisions.

-   Evaluate existing positions, outstanding advances, daily or weekly payments, and stacking exposure.
-   Assess business risk, repayment ability, NSF activity, negative balances, and overall financial health.
-   Determine appropriate funding amounts, terms, factor rates, and positions based on risk.
-   Review credit reports, business information, and other supporting documentation.
-   Identify potential fraud, inconsistencies, and red flags in submitted applications.
-   Communicate with sales representatives, brokers, and funding partners to obtain additional information.
-   Make timely, well-supported underwriting decisions while maintaining deal quality.
-   Manage a pipeline of applications efficiently and meet underwriting turnaround expectations.

## Requirements

-   **Mandatory prior experience in MCA underwriting.**

-   Strong understanding of merchant cash advances and alternative business financing.
-   Proven ability to analyze business bank statements and assess cash flow.
-   Knowledge of MCA stacking, existing positions, payback structures, and risk assessment.
-   Ability to identify fraudulent documentation and high-risk transactions.
-   Strong analytical, organizational, and decision-making skills.
-   Ability to work independently in a fast-paced funding environment.
-   Excellent communication skills and attention to detail.

## Benefits

-   Health Care Plan (Medical, Dental & Vision)
-   Retirement Plan (401k, IRA)
-   Life Insurance (Basic, Voluntary & AD&D)
-   Paid Time Off (Vacation, Sick & Public Holidays)
-   Family Leave (Maternity, Paternity)
-   Training & Development

## Apply

[Apply at High Rise Capital](https://apply.workable.com/high-rise-capital/j/F9037A34D5/apply)

---
Powered by [Workable](https://www.workable.com)